Loan Protection Options

Please add Guaranteed Asset Protection (GAP) Plus to my loan.

When you finance your auto loan with us, protect your investment with our affordable Guaranteed Asset Protection (GAP) PLUS. If your vehicle is involved in accident and is determined to be a total loss, this optional protection will address the difference between your outstanding loan balance and the amount covered by your primary insurance carrier.* GAP PLUS also provides additional benefits in non-total loss accidents. The "PLUS" is the additional benefit of a $1,000 deduction toward your next vehicle loan with Midcoast FCU**. Auto Deductible Reimbursement pays up to $500 per loss (unlimited losses per year) when a Loss is filed and paid by your auto insurance company for non-total loss accidents. May be financed with loan. Purchase anytime throughout the loan.

Please add Vehicle Service Agreement VSA) to my loan.

Protect your auto from unexpected mechanical breakdowns with a CUCertified Vehicle Service Agreement and you can hit the road knowing you have the best roadside assistance and coverage available nationwide. Features of this protection include: a true zero deductible, rental reimbursement, towing, trip interruption, total loss refund, emergency roadside assistance all with national acceptance.

I am interested in adding Life Plus Protection to my loan.

Life can quickly get complicated when unexpected events occur. MEMBER’S CHOICE® Debt Protection offers loan-specific coverage, protecting your loan payments against death and disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment Protection does just that. Whether paying off a loan due to a death, or making monthly loan payments, you will protect yourself and your family.

Please add Disability Protection to my loan.

Life can quickly get complicated when unexpected events occur. MEMBER’S CHOICE® Debt Protection offers loan-specific coverage, protecting your loan payments against death and disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment Protection does just that. Whether paying off a loan due to a death, or making monthly loan payments, you will protect yourself and your family.

Please add Life Plus and Disability Protection to my loan.

Life can quickly get complicated when unexpected events occur. MEMBER’S CHOICE® Debt Protection offers loan-specific coverage, protecting your loan payments against death and disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment Protection does just that. Whether paying off a loan due to a death, or making monthly loan payments, you will protect yourself and your family.

Life can quickly get complicated when unexpected events occur. MEMBER’S CHOICE® Debt Protection offers loan-specific coverage, protecting your loan payments against death and disability. These "protected events" are difficult to manage. With each new debt added to your plate, it becomes more important to have some type of protection. Payment Protection does just that. Whether paying off a loan due to a death, or making monthly loan payments, you will protect yourself and your family.

Loan Type Disclosure Statement

Important information for younger borrowers.

It is important that the information we collect is accurate. Please ensure you are under 18 by clicking "Yes, I am under 18" below.

Important information for younger borrowers.

Unfortunately we cannot legally have any contractual agreements signed by minors. We apologize for any inconvenience.

What Type of Co-Applicant should I Choose?

Co-Signer/Guarantor - Person who assumes equal liability for the obligation but does not benefit from the proceeds of the obligation.

A spouse cannot be a Co-Signer/Guarantor

Joint Borrower/Co-Borrower - Person who assumes equal liability for the obligation and benefits from the proceeds of the obligation.

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